What is the Canada Dental Care Plan?

The CDCP is a government-funded dental program that covers a portion of dental costs for eligible Canadians. Unlike provincial health insurance, dental care in Canada has traditionally been an out-of-pocket expense or tied to employer benefits. The CDCP aims to fill that gap for those who need it most.

Who Qualifies for CDCP in 2026?

To be eligible for the Canada Dental Care Plan, you must meet all of the following criteria:

1. Canadian Residency

  • You must be a Canadian resident for tax purposes
  • You must have filed your tax return for the previous year

2. No Private Dental Insurance

  • You cannot have access to private dental insurance through:
    • Your employer
    • Your spouse's or parent's employer
    • A pension plan
    • Professional association

3. Income Threshold

Your adjusted family net income must be under $90,000:

Family Net Income Coverage Level
Under $70,000 Full coverage (no co-pay)
$70,000 – $79,999 Partial coverage (60% co-pay)
$80,000 – $89,999 Partial coverage (40% co-pay)

Important: Income is verified through CRA records. Make sure your tax filings are up to date.

Who Does NOT Qualify?



You are not eligible if:

  • You have access to any private dental insurance (even if you choose not to use it)
  • Your family income exceeds $90,000
  • You are not a Canadian resident for tax purposes
  • You haven't filed your most recent tax return

How to Apply

  1. Check your eligibility at canada.ca/dental
  2. Receive your invitation letter from Service Canada (if eligible based on CRA data)
  3. Complete your application online or by phone
  4. Receive your CDCP member card in the mail
  5. Book an appointment with a participating dental provider

What Does CDCP Cover?

The plan covers essential dental services including:

  • Preventive care: Cleanings, fluoride treatments, sealants
  • Diagnostic services: Exams, X-rays
  • Restorative services: Fillings, crowns
  • Endodontic services: Root canals
  • Periodontal services: Gum treatments
  • Prosthodontic services: Dentures, bridges
  • Oral surgery: Extractions

Note: Cosmetic procedures like teeth whitening are generally not covered.

Key Dates for 2026

  • January 2026: Applications open for all eligible Canadians
  • Ongoing: Rolling enrollment throughout the year
  • Tax season: Ensure your 2025 tax return is filed to confirm eligibility


The CDCP is a significant step toward making dental care accessible for millions of Canadians. If you don't have private insurance and your income falls below the threshold, this program could save you thousands in dental costs.

The key is to file your taxes on time and check your eligibility regularly.

Have questions about CDCP eligibility? Check the official Government of Canada website for the latest updates.